Credit Analyst

4 days ago

New York, New York, United States Enterprise Community Partners Full time
Job Summary:

The Credit Analyst will be responsible for managing a portfolio of loans, primarily acquisition and construction loans in the affordable housing sector. The Credit Analyst will work closely with the Loan Funds Chief Credit Officer, Director of Credit, Loan Officers and Asset Managers to manage relationships with customers and closely monitor the performance of assigned loans and the underlying project.

Key Responsibilities:
  • Asset Management: The Credit Analyst will be responsible for managing a portfolio of loans, primarily acquisition and construction loans in the affordable housing sector. This will include providing financial analysis of existing borrowers/guarantors, completing portfolio reviews as assigned, and drafting simple modifications as requested.
  • Loan Underwriting & Modifications: The Credit Analyst will be tasked with producing financial analysis of both for- and non-profit sponsors and/or guarantors. This will include evaluating feasibility and likelihood of repayment sources, appraisal reviews, construction cost reviews, property condition reports, environmental reports, and site inspections.
  • Other Duties as Assigned: From time to time, the Credit Analyst may be requested to participate in the loan closing process by reviewing loan documents and/or due diligence items required to close and/or modify loans.
Requirements:
  • At a minimum 3 years of work experience, and an undergraduate degree in business, finance, real estate, urban planning, or related field is required.
  • A graduate degree in business, finance, real estate, urban planning, or related field can substitute for required work experience.
  • Experience in real estate-based or affordable housing finance, including credit analysis, is preferred.
  • Experience with construction lending and processes is desired.
  • Proficiency in analyzing financial statements of nonprofit and for-profit organizations and real estate property operations is required.
  • Experience with reviewing due diligence items required to close real estate transactions is desired.
  • Knowledge of the loan closing process and loan documents utilized in real estate transactions is required.
  • Familiarity with federal, state, and local government funding sources for construction, rehabilitation and operating needs of multi-family housing, special needs housing, and community facilities is desired.
  • Experience working with both private sector financial institutions and public agencies is preferred.
  • Excellent written and verbal communication skills are required.
  • Strong computer aptitude skills, including knowledge of Microsoft Office Suite Programs are essential.
  • Excellent skills in managing multiple tasks requiring strong attention to detail are required.
  • Ability to work effectively in a team environment is essential.
  • Ability to travel is required.
Total Rewards:

Enterprise offers a comprehensive total rewards package for you and your family. The base salary for this role is $80,000 to $100,000, depending on level of skills and experience. Enterprise offers a comprehensive total rewards package for you and your family, including dental, health, and vision care plans, as well as family-building benefits, such as fertility, adoption, surrogacy support, and gender-affirming care. Enterprise allows flexible work arrangements to promote a better work-life balance. We offer health advocacy, EAP, and mental health benefits. We round out our total rewards package by offering financial education, wellness programs, and auto-enrollment in the company's 401(k) plan with employer matching contributions. Finally, you will have learning and development opportunities, including tuition reimbursement for job-related courses and certifications.

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